Intentional self injury, suicide or attempted suicide, Death or disablement resulting from child birth and pregnancy Accident while the insured is under the influence of intoxicating liquor or drugs War and allied perils.

Premium varies from Rs 90 to Rs 165 per person per year for a Sum Insured of Rs 1 Lakh

Risk Classes:

Risk Class I:
Person engaged in administrative or managing functions, accountant, doctor, lawyer, architect, consulting
engineer, teacher, and banker or primarily engaged in a similar occupation
Risk Class II:
Person engaged in manual labor, garage or motor mechanic, machine operator, paid driver of a car, a truck, a
lorry or other heavy vehicles, cash carrying employee, wood working machinist or a builder – contractor and
engineer in superintending functions, veterinary doctor, or engaged in a similar occupation.
Risk Class III:
Person working in underground mines, in explosive magazines or in electrical installations with high tension
supply, or insured is a jockey, circus personnel, engaged in racing in wheels or horseback, big game hunting,
mountaineering, winter sports, skiing, ice hockey, river rafting, polo, or in similar activity or occupation.